Earlier quoted context omitted.
D3 is the locals "wealthy" area going back to post war days. Many homes there were gifted by the government as a reward. It is indeed a really nice part of town. My partners family lives on Tu Xuong street.
Yep! It does have the posh stereotype. Though it does feel like a lot of energy is moving away from D1/D3 and towards D2/D7 as there's similarly priced property that is newer.
D2 is for the wealthier western expats to ride around without helmets.
D1 is just… well… downtown.
I spent a lot of time exploring literally all of Saigon (and a lot of the rest of the country as well). More so than most locals really. There isn’t a corner in Saigon that I haven’t been to many times.